Retired Peace Officers Association of California
RPOAC vs PORAC Comparison
Members of the RPOAC now have the following new programs available to them. For a comparison on how they compare to the existing PORAC plans click here.
Colonial Term Life Insurance
As a member of the RPOAC you now have access to one of the most competitive simplified issue Term Life Insurance programs in the industry. Unlike group life insurance programs, this is a plan that you will own. By owning your own plan you will have stability in premiums and guarantees that do not exist in group programs.
United Heath Care Group Dental Insurance
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Basic HMO – A basic HMO with competitive benefits, a broad dentist network, no annual maximums, and very low premiums. - Member = $14.97 - Member + Spouse = $28.34 - Family = $43.25 |
Imperial HMO - A extremely benefit rich HMO providing $0 co-pays for most procedures and no annual maximums. - Member = $27.37 - Member + Spouse = $46.81 - Family = $69.80 |
PPO – A true PPO plan offering access to any dentist both inside and outside of the state of California. - Member = $36.52 - Member + Spouse = $71.65 - Family = $119.85 |
Vision Plan of America Camden/Avesis Advantage Plus Vision Plan
As a member of the RPOAC, you have access to a low cost, benefit rich vision plan. This program is open to all members of your family. Click below for:
AIG Accidental Death and Dismemberment
All members of RPOAC receive $2,500 of AD&D coverage at no cost and can purchase up to $100,000 of additional coverage. Click here for: Brochure | Application
RPOAC Long Term Care Insurance
Call Pacific Financial Designs at 1-800-733-4487 for more information on the plan and rates.
Deferred Compensation (457) and 401(a) Options
Like most brokerage firms (Schwab, Smith Barney, etc.) we have professionally managed accounts. We are in a unique position to offer our clients institutional investment accounts. Our access to Wilshire Institutional money managers provides low fee, established portfolios used by major pension programs and some foreign countries. In addition to these programs we offer IRAs that guarantee your balance with no management fees.
Life Insurance
We look at your total insurance picture and try to create an “insurance portfolio” that will accomplish your goals at the lowest cost to you. By shopping your insurance needs to many different insurers, PFD will be sure that you are getting the best value. We often will look to one company that might specialize in term insurance and another for more permanent protection. It is this type of individual customization that sets us apart and has allowed our clients to be assured that they have made a good financial decision.